* @copyright Since 2007 PrestaShop SA and Contributors * @license https://opensource.org/licenses/AFL-3.0 Academic Free License version 3.0 */ namespace PrestaShop\Module\PrestashopCheckout\PayPal; /** * Parameters related to 3D Secure 2.0 * Recommended action based on `enrollment_status` and `authentication_status` parameters, a `liability_shift` determines how you might proceed with authentication * * @see https://developer.paypal.com/docs/checkout/advanced/customize/3d-secure/response-parameters/#enrollmentstatusauthentication_statusliabilityshiftrecommended-action */ class Card3DSecure { // Liability has shifted to the card issuer. Available only after order is authorized or captured. const LIABILITY_SHIFT_YES = 'YES'; // Liability is with the merchant. const LIABILITY_SHIFT_NO = 'NO'; // Liability may shift to the card issuer. Available only before order is authorized or captured. const LIABILITY_SHIFT_POSSIBLE = 'POSSIBLE'; // The authentication system is not available. const LIABILITY_SHIFT_UNKNOWN = 'UNKNOWN'; // Yes. The bank is participating in 3-D Secure protocol and will return the ACSUrl. const ENROLLMENT_STATUS_YES = 'Y'; // No. The bank is not participating in 3-D Secure protocol. const ENROLLMENT_STATUS_NO = 'N'; // Unavailable. The DS or ACS is not available for authentication at the time of the request. const ENROLLMENT_STATUS_UNAVAILABLE = 'U'; // Bypass. The merchant authentication rule is triggered to bypass authentication. const ENROLLMENT_STATUS_BYPASS = 'B'; // Successful authentication. const AUTHENTICATION_RESULT_YES = 'Y'; // Failed authentication / account not verified / transaction denied. const AUTHENTICATION_RESULT_NO = 'N'; // Unable to complete authentication. const AUTHENTICATION_RESULT_UNABLE = 'U'; // Authentication rejected (merchant must not submit for authorization). const AUTHENTICATION_RESULT_REJECTED = 'R'; // Successful attempts transaction. const AUTHENTICATION_RESULT_ATTEMPTED = 'A'; // Challenge required for authentication. const AUTHENTICATION_RESULT_CHALLENGE_REQUIRED = 'C'; // Challenge required; decoupled authentication confirmed. const AUTHENTICATION_RESULT_DECOUPLED = 'D'; // Informational only; 3DS requester challenge preference acknowledged. const AUTHENTICATION_RESULT_INFO = 'I'; // Continue with authorization at your own risk, meaning that the liability of any chargeback has not shifted from the merchant to the card issuer. const NO_DECISION = 0; // Continue with authorization. const PROCEED = 1; // Do not continue with authorization. const REJECT = 2; // Do not continue with authorization. Request cardholder to retry. const RETRY = 3; /** * @param array $order * * @return int */ public function continueWithAuthorization(array $order) { $cardAuthenticationResult = $this->getAuthenticationResult($order); if (!$cardAuthenticationResult) { return static::NO_DECISION; } $liabilityShift = $this->getLiabilityShift($cardAuthenticationResult); if ($liabilityShift === static::LIABILITY_SHIFT_POSSIBLE) { return static::PROCEED; } if ($liabilityShift === static::LIABILITY_SHIFT_UNKNOWN) { return static::RETRY; } $threeDSecure = $this->get3DSecure($cardAuthenticationResult); if ($liabilityShift === static::LIABILITY_SHIFT_NO && $threeDSecure) { return $this->noLiabilityShift($cardAuthenticationResult); } return static::NO_DECISION; } /** * @param array $order * * @return bool */ public function is3DSecureAvailable(array $order) { $cardAuthenticationResult = $this->getAuthenticationResult($order); if (!$cardAuthenticationResult) { return false; } $threeDSecure = $this->get3DSecure($cardAuthenticationResult); $enrollmentStatus = $this->getEnrollmentStatus($threeDSecure); return $enrollmentStatus === self::ENROLLMENT_STATUS_YES || $enrollmentStatus === self::ENROLLMENT_STATUS_UNAVAILABLE; } /** * @param array $order * * @return bool */ public function isLiabilityShifted(array $order) { $authenticationResult = $this->getAuthenticationResult($order); $liabilityShift = $this->getLiabilityShift($authenticationResult); $threeDSecure = $this->get3DSecure($authenticationResult); $authenticationStatus = $this->getAuthenticationStatus($threeDSecure); return ($liabilityShift === self::LIABILITY_SHIFT_POSSIBLE || $liabilityShift === self::LIABILITY_SHIFT_YES) && $authenticationStatus === self::AUTHENTICATION_RESULT_YES; } /** * @param array{enrollment_status: string, authentication_status: string} $cardAuthenticationResult * * @return int */ private function noLiabilityShift(array $cardAuthenticationResult) { $threeDSecure = $this->get3DSecure($cardAuthenticationResult); $enrollmentStatus = $this->getEnrollmentStatus($threeDSecure); $authenticationStatus = $this->getAuthenticationStatus($threeDSecure); if ($enrollmentStatus === static::ENROLLMENT_STATUS_BYPASS && !$authenticationStatus) { return static::PROCEED; } if ($enrollmentStatus === static::ENROLLMENT_STATUS_UNAVAILABLE && !$authenticationStatus) { return static::PROCEED; } if ($enrollmentStatus === static::ENROLLMENT_STATUS_NO && !$authenticationStatus) { return static::PROCEED; } if ($authenticationStatus === static::AUTHENTICATION_RESULT_REJECTED) { return static::REJECT; } if ($authenticationStatus === static::AUTHENTICATION_RESULT_NO) { return static::REJECT; } if ($authenticationStatus === static::AUTHENTICATION_RESULT_UNABLE) { return static::RETRY; } if (!$authenticationStatus) { return static::RETRY; } return static::NO_DECISION; } /** * @param array $order * * @return array|null */ private function getAuthenticationResult(array $order) { $fundingSource = isset($order['payment_source']) ? key($order['payment_source']) : ''; return isset($order['payment_source'][$fundingSource]['authentication_result']) ? $order['payment_source'][$fundingSource]['authentication_result'] : null; } /** * @param array|null $authenticationResult * * @return string|null */ private function getLiabilityShift($authenticationResult) { return isset($authenticationResult['liability_shift']) ? $authenticationResult['liability_shift'] : null; } /** * @param array|null $authenticationResult * * @return array|null */ private function get3DSecure($authenticationResult) { return isset($authenticationResult['three_d_secure']) ? $authenticationResult['three_d_secure'] : null; } /** * @param array|null $threeDSecure * * @return string|null */ public function getAuthenticationStatus($threeDSecure) { return isset($threeDSecure['authentication_status']) ? $threeDSecure['authentication_status'] : null; } /** * @param array|null $threeDSecure * * @return string|null */ private function getEnrollmentStatus($threeDSecure) { return isset($threeDSecure['enrollment_status']) ? $threeDSecure['enrollment_status'] : null; } }